11 Ferramentas Financeiras Gratuitas em Português — Brasil e Portugal

Lancei 11 calculadoras financeiras gratuitas em português — para trabalhadores, investidores e autônomos no Brasil e em Portugal. Tudo funciona no navegador, sem cadastro.

Para o Brasil

Calculadora 13º Salário

Calcula o valor líquido do seu 13º salário, com desconto de INSS e IRRF. Mostra a primeira e segunda parcela separadamente.

Experimente: Calculadora 13º Salário

Calculadora de Férias

Calcula o valor das suas férias — 1/3 constitucional, abono pecuniário, e descontos de INSS e IRRF sobre férias.

Experimente: Calculadora de Férias

Calculadora Carnê-Leão

Para autônomos e profissionais liberais: calcula o IRPF mensal via carnê-leão com as deduções permitidas (dependentes, INSS, livro-caixa).

Experimente: Calculadora Carnê-Leão

Calculadora Simples Nacional

Calcula a alíquota efetiva do Simples Nacional com base no seu faturamento dos últimos 12 meses. Cobre todos os anexos (I a V).

Experimente: Calculadora Simples Nacional

Calculadora Ganhos de Capital

Calcula o imposto sobre ganhos de capital na venda de bens e investimentos no Brasil — 15% a 22,5% conforme a faixa de lucro.

Experimente: Calculadora Ganhos de Capital

Calculadora Imposto sobre Herança (ITCMD)

Calcula o ITCMD estadual sobre herança e doação. As alíquotas variam por estado — de 2% a 8%.

Experimente: Calculadora ITCMD

Calculadora Imposto RSU

Recebe ações da empresa? Calcula o IRPF sobre RSU no vesting, comparando reter vs vender.

Experimente: Calculadora Imposto RSU

Para Portugal

Simulador NHR Portugal

Simula o regime de Residente Não Habitual — taxa fixa de 20% para profissões de alto valor acrescentado e isenção sobre rendimentos estrangeiros.

Experimente: Simulador NHR Portugal

Calculadora IRS Arrendamento

Calcula o IRS sobre rendimentos de arrendamento em Portugal — taxa autónoma de 28% ou englobamento, com deduções de despesas.

Experimente: Calculadora IRS Arrendamento

Comparadores

ETF vs Fundo de Investimento

Compara a rentabilidade de ETFs vs fundos de investimento, incluindo taxa de administração, come-cotas, e imposto sobre ganhos.

Experimente: ETF vs Fundo de Investimento

Financiamento Fixo vs Variável

Simula prestações com taxa fixa vs variável (CDI/Selic). Mostra o custo total de juros e ponto de equilíbrio.

Experimente: Financiamento Fixo vs Variável

---

Todas as ferramentas são 100% gratuitas, privadas (dados nunca saem do seu navegador) e não precisam de cadastro. Parte do Teamz Lab Tools — mais de 1700 ferramentas gratuitas.

---

Publicado originalmente em https://tool.teamzlab.com

Comments

Post a Comment

Popular posts from this blog

KiwiSaver Fees: A 1% Difference Could Cost You $70,000 by Retirement

Most New Zealanders pick a KiwiSaver fund once and never look at it again. But the fee difference between a 0.30% passive index fund and a 1.30% actively managed fund is not 1% — it's compounded over decades. On a $50,000 balance growing for 30 years at 7% returns, that 1% fee difference means $70,000+ less at retirement. That's a year of income lost to fees. Compare your fund fees side by side → What FMA Data Shows The Financial Markets Authority (fma.govt.nz) requires all KiwiSaver providers to disclose fees in their fund updates. Fees range from 0.20% (Simplicity, SmartShares) to 1.50%+ (some boutique active funds). Research consistently shows that higher fees do not reliably predict higher after-fee returns over 10+ year periods in the NZ market. How the Calculator Works Enter your current KiwiSaver balance, salary, contribution rate (3%, 4%, 6%, 8%, or 10%), years until retirement, and expected return rate. Then enter two funds to compare — Fund A and Fund B wi...
Read more

How to Know If Someone Is Monitoring Your Phone — 8 Signs & Free Detection App (Android)

Something feels wrong. Your partner knows things you only searched privately. Your employer seems aware of conversations from your personal phone. Someone keeps showing up at places you only visited once, found through apps. You're not paranoid. Phone monitoring is more common than most people realize — and most victims never discover it because monitoring apps are designed to be completely invisible. This guide explains how phone monitoring works, the 8 warning signs to look for, and how to detect it for free on Android. How Phone Monitoring Actually Works Modern monitoring apps don't need to be visible to work. They exploit Android's legitimate features: Accessibility Services: Designed for screen readers, this permission lets an app read every screen on your phone — messages, passwords, browser URLs, everything you type. Most stalkerware runs as an Accessibility Service. Device Administrator: Gives the app system-level control. Apps with Device Admin status...
Read more

Why NestJS?

> TL;DR: NestJS is a progressive Node.js framework for building server-side applications. Built on top of Express (or Fastify), it provides an opinionated structure… The analogy Express is like a studio apartment — everything in one room, you decide where stuff goes. NestJS is like a well-designed house with labeled rooms: kitchen (services), front door (controllers), hallways (modules). Both work, but the house is WAY easier to manage when you have 50 rooms! What is it, really? NestJS is a progressive Node.js framework for building server-side applications. Built on top of Express (or Fastify), it provides an opinionated structure inspired by Angular, using modules, controllers, and services. It includes powerful features like Pipes, Interceptors, Filters, Middleware, and custom Decorators. Why it matters in the real world NestJS is used by Adidas, Roche, Autodesk, and many startups. It's the most popular structured Node.js framework, with over 70K GitHub stars. ...
Read more